Resolve Pay vs OnDeck vs Billie

Selecting the right B2B payment and financing solution can determine whether your business scales efficiently or struggles with cash flow constraints. While OnDeck provides traditional business loans and Billie offers European checkout-embedded payment terms, Resolve Pay delivers non-recourse net terms financing combined with complete AR automation for North American B2B suppliers. Understanding these fundamental differences between lending products, regional payment solutions, and integrated trade credit platforms helps manufacturers, distributors, and wholesalers select the approach that matches their operational needs, risk tolerance, and growth objectives.

When B2B suppliers evaluate financing and payment solutions, the choice between traditional lending, regional payment platforms, and integrated trade credit solutions becomes critical. Three distinct approaches represent fundamentally different philosophies toward managing cash flow and extending payment terms to business buyers. OnDeck operates as a traditional lender providing term loans and lines of credit to businesses. Billie functions as a European B2B buy now, pay later platform embedded at checkout. Resolve Pay takes a different approach, delivering non-recourse net terms financing combined with complete AR automation for North American suppliers.

Key Takeaways

• Resolve Pay provides non-recourse invoice financing where suppliers can receive upfront advances on approved invoices while Resolve Pay manages credit risk, whereas OnDeck offers traditional business loans and Billie operates primarily in European markets with a checkout-focused model
• Resolve Pay serves 15,000+ businesses across North America with buyer-based credit decisioning, whereas OnDeck has served over 185,000 businesses through merchant-based lending and Billie has served business buyers across supported European countries
• Resolve Pay includes complete AR automation with invoicing, collections, and reconciliation in one platform, while OnDeck focuses on business lending and Billie provides payment term solutions
• Resolve Pay integrates with QuickBooks, NetSuite, Xero, Sage Intacct, Shopify, and BigCommerce, while OnDeck's core offering centers on business lending and Billie supports several integration approaches including PSP, direct, and store-system connections
• Resolve Pay maintains 5.0/5 ratings on G2 and Capterra with consistent praise for customer support and easy integration
• Resolve Pay's main net terms product can advance up to 90% of approved invoice value within 24 hours with competitive pricing, helping suppliers manage cash flow while buyers receive extended payment terms

Understanding the B2B Financial Services Landscape

The B2B financial services market generally falls into three categories, each built around a different operating model and business objective. According to the Federal Reserve Payments Study, businesses rely on multiple noncash payment methods, including ACH transfers, checks, cards, and wires, making workflow fit an important consideration.

Traditional Business Lenders

Traditional lenders provide capital for general business needs. They evaluate the merchant's creditworthiness and offer term loans or revolving credit that businesses repay with interest.

These funds can support:

• Inventory
• Equipment
• Operating expenses
• General working-capital needs

The tradeoff is that repayment obligations remain separate from the supplier's customer receivables workflow.

Regional B2B Payment Platforms

Regional B2B payment platforms take a checkout-embedded approach to payment terms. They typically integrate with payment service providers and offer real-time credit decisions at the point of purchase.

Their main focus is:

• Supporting B2B ecommerce transactions
• Offering flexible payment terms at checkout
• Serving specific geographic markets
• Improving checkout conversion

Integrated Trade Credit Platforms

Integrated trade credit platforms like Resolve Pay take a broader approach to B2B net terms. Instead of lending directly to the seller or focusing only on checkout conversion, Resolve Pay's net terms solution lets suppliers offer Net 30/60/90 terms to approved business buyers while receiving immediate cash through non-recourse financing.

The platform also combines:

• AR automation
• Native integrations
• Payment reconciliation
• Receivables workflow automation

The Core Difference

The distinction comes down to execution:

• Traditional lenders provide capital that creates repayment obligations.
• Regional platforms support checkout conversion in specific markets.
• Resolve Pay addresses the cash flow gap created by net terms while automating the broader accounts receivable workflow.

How Trade Credit is Reshaping B2B Commerce

The spectrum of B2B financing solutions spans from basic borrowing to integrated trade credit platforms, with profound implications for supplier operations and buyer relationships.

Traditional lending operates on the debt model, requiring sellers to take on repayment obligations. These systems might provide quick access to capital, but the repayment schedules create ongoing financial considerations. The seller bears the risk of business performance changes, and the loans do not directly help with extending payment terms to customers.

Regional payment solutions operate on the checkout conversion model, offering real-time credit decisions when buyers make purchases. While this approach improves transaction completion rates, it does not necessarily address the complete receivables workflow. Sellers using these platforms may still need separate tools for invoice management, payment reconciliation, and collections on transactions outside the embedded checkout flow.

Integrated trade credit platforms like Resolve Pay operate on the non-recourse financing model with full receivables automation. When suppliers extend net terms through Resolve Pay, eligible approved invoices can receive an upfront advance, with Resolve Pay's main net terms product supporting advances of up to 90% within 24 hours. Resolve Pay's non-recourse structure helps protect suppliers on covered approved advances.

The automation advantage compounds across multiple dimensions:

• Speed: Resolve Pay's AI credit engine delivers decisions in under 24 hours, often instantly for smaller purchases, eliminating manual underwriting delays
• Coverage: Operating across email, ACH, wire, credit card, and check payments means buyers can pay through their preferred method
• Consistency: Agentic collections maintain professional follow-up sequences without manual intervention, preserving customer relationships
• Integration: Native ERP and e-commerce connections eliminate double data entry and enable automatic reconciliation

OnDeck and Billie serve their respective use cases effectively, but provide different approaches compared to Resolve Pay's complete integration of financing, AR automation, and risk protection for B2B trade credit workflows.

Resolve Pay

Resolve Pay's Approach to B2B Net Terms and AR Automation

Resolve Pay operates as a B2B payments platform focused on enabling manufacturers, distributors, and wholesalers to offer net payment terms while receiving immediate cash through non-recourse invoice financing. Rather than lending to sellers or focusing on checkout conversion, Resolve Pay's integrated platform combines credit decisioning, financing, AR automation, and collections in a single solution.

Resolve Pay's main net terms product can advance up to 90% of approved invoice value within 24 hours while buyers receive Net 30/60/90 terms. Advance percentages can vary by product configuration and risk profile. The non-recourse structure helps protect suppliers on covered approved advances, with Resolve Pay managing the credit assessment and payment workflows.

Key Features

The AI credit engine evaluates thousands of buyer data points including cash flow trends, payment history, and behavioral signals. Real-time credit decisions enable approvals in under 24 hours, with instant approvals available for some purchases. Dynamic credit decisions can adapt as buyer information changes, while Resolve Pay supports discreet credit assessment using basic business information without requiring customer interaction for the initial check.

The AR automation platform eliminates manual receivables work through:

• Automated invoice generation synced from ERP and accounting systems
• Smart payment reconciliation using machine learning to match payments to invoices automatically
• Real-time AR dashboard showing DSO, aging, and portfolio health
• Automated bookkeeping sync to QuickBooks, Xero, Sage Intacct, and NetSuite
• Multi-channel agentic collections with email, SMS, and voice AI sequences

The white-labeled payment portal maintains the seller's brand throughout the buyer journey. Buyers access a branded dashboard showing all invoices, credit lines, and payment history with options for ACH, wire transfer, credit card, and check payments.

Resolve Pay supports B2B payment, credit, invoicing, and receivables workflows for manufacturers, distributors, wholesalers, and other B2B sellers across regulated industries.

Integration Capabilities

Native integrations span major platforms including:

• E-commerce: Shopify, BigCommerce, Magento 2, WooCommerce
• ERP & Accounting: QuickBooks Online, Xero, Sage Intacct, Oracle NetSuite
• Custom connections: REST API with webhooks and sandbox

Resolve Pay supports flexible integrations through platform connectors and APIs that can connect the platform with existing ecommerce, ERP, and accounting workflows.

When Resolve Pay Fits Best

Resolve Pay serves mid-market B2B sellers typically with $1M+ annual revenue in manufacturing, wholesale distribution, and supply industries. According to SBA guidance on business credit, supplier credit allows businesses to receive goods or supplies and defer payment to a later date, helping conserve cash flow.

• HVAC parts distributors
• Electrical and plumbing supplies
• Industrial equipment manufacturers
• Medical and pharmaceutical distributors
• Construction materials suppliers

The platform fits businesses that need to offer competitive net terms while maintaining cash flow, want non-recourse protection on covered approved advances, require complete AR automation to reduce manual workload, operate in North American markets, and use ERP or e-commerce platforms that benefit from native integration.

OnDeck

OnDeck's Primary Focus

OnDeck positions itself as a traditional business lender providing term loans and lines of credit to small and medium businesses. OnDeck reports serving more than 185,000 businesses since 2006 and delivering more than $25 billion in business financing across the United States.

OnDeck's lending products include:

• Term loans: OnDeck offers business term loans with repayment terms of up to 24 months and predictable daily or weekly payments
• Lines of credit: Revolving credit options that businesses can draw against as needed

The platform focuses on fast approval and funding, with same-day funding available for qualified applicants. Applications can be completed in minutes, and the straightforward documentation requirements make the process accessible compared to traditional banks.

Key Characteristics

OnDeck's approach includes several defining characteristics:

• Merchant-based evaluation: OnDeck evaluates the seller's creditworthiness with specific credit and revenue requirements
• Business lending structure: OnDeck provides term loans and lines of credit with repayment requirements determined by the financing agreement
• Standalone product: The platform provides capital but operates as a standalone lending product without connections to ERP, accounting, or e-commerce systems
• Payment schedules: Daily or weekly payment options available depending on the financing agreement

OnDeck works well for businesses needing quick access to working capital for equipment purchases, inventory, or payroll. However, the platform focuses on business lending rather than directly helping suppliers extend payment terms to customers or manage accounts receivable.

Geographic Coverage

OnDeck provides business financing across the United States except North Dakota, with availability subject to state and underwriting requirements.

Billie

Billie's Role in European B2B Payments

Billie operates as a European B2B buy now, pay later platform focused on checkout-embedded payment terms. The platform has served business buyers across supported European countries including Germany, Austria, France, and the Netherlands.

Billie supports several integration approaches, including connections through Stripe, Adyen, Klarna, Mollie, direct interfaces, and store-system integrations to offer real-time credit decisions at the point of purchase. When buyers check out, Billie evaluates their creditworthiness and can enable payment terms up to 120 days.

Key Strengths

The platform's strengths include:

• Checkout-embedded experience: Real-time approvals at point of purchase optimize conversion rates for B2B e-commerce
• European market presence: Established presence across supported European countries
• Multiple integration options: Billie supports PSP integrations as well as direct and store-system integration approaches
• Buyer portal: Business buyers can manage their invoices and payments through a dedicated dashboard
• Omnichannel support: Billie supports B2B payment terms across online checkout, telesales, in-person, and field-sales scenarios

Geographic Focus

Billie primarily supports transactions with business buyers in supported European countries, while merchant availability can vary by integration. Billie's offering is primarily oriented toward supported European buyer markets, while Resolve Pay is positioned around North American B2B supplier workflows.

Comparing Resolve Pay, OnDeck, and Billie

Financing Model Comparison

Resolve Pay uses non-recourse invoice financing, with its main net terms product supporting advances of up to 90% of approved invoice value within 24 hours. Suppliers can receive upfront cash through Resolve Pay's non-recourse invoice financing rather than taking out a traditional business loan, while Resolve Pay manages credit assessment, payment workflows, and the covered risk associated with approved transactions.

OnDeck provides traditional business loans that create repayment obligations for the borrowing business. The business takes on financing that requires repayment according to the loan agreement. Loans do not directly connect to specific customer invoices or payment terms.

Billie offers merchant financing at checkout where approved buyers receive payment terms and Billie pays the merchant after order fulfillment. The model works within the checkout flow across multiple sales channels.

Geographic Coverage

Resolve Pay focuses on North American B2B suppliers with US and Canadian market coverage, enabling deeper ERP integration and consistent regulatory environment support.

OnDeck provides business financing across the United States except North Dakota, with availability subject to state and underwriting requirements.

Billie primarily serves supported European buyer markets, while Resolve Pay focuses on B2B supplier workflows in North America.

Integration Capabilities

Resolve Pay provides native bi-directional integrations with:

• ERP systems: QuickBooks, NetSuite, Oracle, Xero, Sage Intacct
• E-commerce platforms: Shopify, BigCommerce, Magento 2, WooCommerce
• REST API with webhooks for custom connections

OnDeck operates as a standalone lending product, with the platform's core offering centering on business lending without system integration requirements.

Billie supports several integration approaches, including connections through Stripe, Adyen, Klarna, Mollie, direct interfaces, and store-system integrations.

AR Automation

Resolve Pay includes complete AR automation:

• Automated invoice generation and distribution
• Smart payment reconciliation with ML matching
• Real-time AR dashboard and reporting
• Multi-channel agentic collections with AI-powered follow-up
• Automatic bookkeeping sync

OnDeck provides business lending services without AR capabilities. Businesses using OnDeck financing manage receivables separately.

Billie offers payment workflow features for transactions processed through its platform, including payment reminders and collections for Billie-financed transactions.

Risk Structure

Resolve Pay provides non-recourse invoice financing, with its main net terms product supporting advances of up to 90% of approved invoice value within 24 hours. Resolve Pay's non-recourse structure helps protect suppliers on covered approved advances.

OnDeck structures its products as business financing where the borrower manages repayment according to the financing agreement.

Billie provides payment term solutions on transactions processed through its platform, with the structure varying by merchant agreement.

Real-World Resolve Pay Success Stories

The theoretical advantages of integrated trade credit platforms translate to measurable business outcomes across diverse B2B companies. Customer results demonstrate the revenue impact, efficiency gains, and risk protection that Resolve Pay delivers.

Revenue Growth Impact

• SS&SI Dealer Network achieved 5x revenue growth using Resolve Pay's net terms financing to expand customer access
• ConEquip (construction equipment) reported 30% year-over-year growth enabled by offering flexible payment terms
• Archipelago Lighting tripled revenue and reduced net terms approval time from 10 days to 24 hours while offering significantly higher credit lines to buyers
• Nandansons achieved 75% growth through Resolve Pay partnership
• Elston Materials (concrete supplier) increased margins from 25% to 30%, a 5-point improvement through better cash flow management

Operational Efficiency Gains

• Trenchless Supply reduced AR workload by 90% with credit approvals completing in under 24 hours
• TrueCable experiences response times under 24 hours on credit approvals, enabling faster customer onboarding
• Marshall Wolf Automation streamlined B2B payments and scaled operations through Resolve Pay's integrated platform
• RentAll Construction reports quicker receivables directly contributing to healthier cash flow management

Competitive Advantage Creation

• Shields Childcare Supplies won new business by offering Net 90 terms they could not extend independently, using Resolve Pay to fund longer payment terms
• DocShop Pro built a B2B medical marketplace with embedded net terms checkout, differentiating through seamless payment flexibility

These results share common patterns: rapid time-to-value typically measured in weeks, sustained performance improvements over quarters, and efficiency gains that compound as teams reallocate saved time to strategic activities.

The ROI advantage stems from replacing cash flow constraints and manual AR work with automated financing that operates continuously. Teams gain immediate cash on invoices through non-recourse invoice financing, help protect against bad debt risk on covered approved advances, and reduce AR overhead by up to 90% while maintaining professional customer relationships through automated collections.

Why Resolve Pay Fits B2B Suppliers

Resolve Pay is designed for B2B suppliers that want to offer customers flexible payment terms while improving cash-flow predictability and streamlining receivables operations.

Resolve Pay is particularly relevant when your business needs:

• Net terms for approved business buyers with upfront supplier payment
• Non-recourse protection on covered approved advances
• Integrated credit decisioning, invoicing, collections, and reconciliation
• A platform built around North American B2B supplier workflows
• ERP and ecommerce integrations that connect receivables with existing business systems
• A single platform for managing credit, payments, and accounts receivable workflows

For manufacturers, distributors, wholesalers, and other B2B suppliers that want to offer flexible payment terms while improving cash flow and reducing manual receivables work, Resolve Pay brings credit decisioning, non-recourse invoice financing, payments, reconciliation, and collections into one connected platform. Its focus on B2B trade credit makes it especially relevant for suppliers that want to expand buyer purchasing power without building a larger internal credit and AR operation.

Resolve Pay supports implementation through integrations with major ERP, accounting, and ecommerce platforms, with timelines depending on each business's systems and integration requirements. The platform's buyer-based credit decisioning enables suppliers to extend net terms based on buyer creditworthiness, while the non-recourse structure helps protect against default risk on covered approved transactions.

Frequently Asked Questions

How Does Resolve Pay Help B2B Suppliers Offer Net Terms?

Resolve Pay combines buyer credit assessment, net terms financing, payments, and accounts receivable workflows in one platform. Approved invoices can qualify for upfront advances while buyers receive extended payment terms, helping suppliers improve cash flow without managing every part of the credit process internally. The platform automates invoice generation, payment reminders, reconciliation, and collections while providing non-recourse protection on covered approved advances.

What Payment Terms Can Resolve Pay Support?

Resolve Pay supports common B2B payment terms including Net 30, Net 60, and Net 90, with available terms and credit decisions depending on the buyer and transaction. This gives suppliers flexibility to offer qualified buyers more time to pay while maintaining predictable cash flow through upfront advances on approved invoices.

What Accounts Receivable Tasks Can Resolve Pay Automate?

Resolve Pay supports invoice workflows, payment reminders, reconciliation, bookkeeping synchronization, AR reporting, and agentic collections. Bringing these functions into one platform can reduce the manual work required to manage business receivables. The platform syncs automatically with major ERP and accounting systems to eliminate double data entry.

How Does Resolve Pay Evaluate Business Buyers?

Resolve Pay's business credit checks use AI, business data, behavioral signals, and credit expertise to evaluate buyers. Resolve Pay can begin a discreet assessment using basic business information and provides credit decisions based on its underwriting process, often delivering approvals in under 24 hours with instant decisions available for some purchases.

What Systems Can Resolve Pay Integrate With?

Resolve Pay supports integrations with major accounting, ERP, and ecommerce platforms, including QuickBooks Online, Xero, NetSuite, Sage Intacct, Shopify, BigCommerce, Magento 2, and WooCommerce. Flexible APIs can also support custom implementation requirements, enabling bi-directional data synchronization between Resolve Pay and existing business systems.

This post is to be used for informational purposes only and does not constitute formal legal, business, or tax advice. Each person should consult his or her own attorney, business advisor, or tax advisor with respect to matters referenced in this post. Resolve assumes no liability for actions taken in reliance upon the information contained herein.